david chatzky and david bach, and melissa lee making an appearance.s morning, let's start with first a live question here, live video question from elizabeth in new york city. good morning, elizabeth. what's your question? >> good morning. i recently signed up for credit monitoring with fr freecreditreport.com. since january, according to the service, my credit score has jumped from 764 to 774, 768, to 748, though nothing on my report has changed. i paid everything on time. more than the minimum. haven't really charged anything out of the norm so i wanted to know why is my credit score jumping around so much and what can i do to get it back up to where it was. >> this is why trying to micromanage your credit score is a really bad idea. it will drive you nuts. you want to see over time a trajectory upward but the reason this is happening is because you're checking it at different times during the billing cycle. when you are using more of your available lines of credit, more of that utilization, it is taking your score down by just a little bit. do not